Buy Cheap Lexus RX 450h Auto Insurance in 2023
If you want to buy affordable Lexus RX 450h insurance coverage then you should know that a policy will cost $142 per month ($1,708 per year) on average. Shop around to find cheap Lexus RX 450h insurance rates. On average, Lexus RX 450h comprehensive insurance coverage costs $416, collision coverage costs $607, and liability coverage costs $482.
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Cynthia Lanctot
Licensed Agent
Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.
Licensed Agent
UPDATED: Jul 16, 2021
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jul 16, 2021
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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Key takeaways:
- Full coverage costs around $1,708 a year or $142 each month
- A liability-only policy costs around $685 a year or $57 each month
- Highest rates are for teenage drivers at around $6,243 a year or $520 each month
- Good drivers can save as much as $704 a year by earning policy discounts
- Lexus RX 450h insurance costs around $189 more per year than the average vehicle
Lexus RX 450h insurance rates average $1,708 a year or $142 a month for full coverage. Older vehicles may just need liability which is around $685 a year or $57 a month.
Good drivers can save up to $704 a year with good driver discounts by practicing safe habits on the road. Let’s look at Lexus RX 450h insurance rates, crash test ratings, and more.
You can start comparing quotes for Lexus RX 450h car insurance rates from some of the best car insurance companies by using our free online tool now.
Lexus RX 450h Insurance Cost
The average Lexus RX 450h car insurance costs are $1,708 a year or $142 a month.
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Are Lexus RX 450hs Expensive to Insure?
The chart below details how Lexus RX 450h insurance rates compare to other crossovers like the Buick Envision, Mazda CX-3, and Infiniti QX30.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Lexus RX 450h | $390 | $718 | $420 | $1,708 |
| Buick Envision | $320 | $566 | $398 | $1,442 |
| Mazda CX-3 | $308 | $500 | $372 | $1,338 |
| Infiniti QX30 | $344 | $686 | $398 | $1,586 |
| Chevrolet Trax | $280 | $470 | $372 | $1,280 |
| Mazda CX-5 | $322 | $532 | $372 | $1,384 |
| Lincoln MKX | $294 | $596 | $398 | $1,446 |
However, there are a few things you can do to find the cheapest Lexus insurance rates online.
What Impacts the Cost of Lexus RX 450h Insurance?
The Lexus RX 450h trim and model you choose can impact the total price you will pay for Lexus RX 450h insurance coverage.
Age of the Vehicle
Older Lexus RX 450h models generally cost less to insure. For example, car insurance rates for a 2020 Lexus RX 450h are $1,708, while 2010 Lexus RX 450h rates are $1,372, a difference of $336.
| Model Year | Comprehensive | Collision | Liability | Total |
| 2020 Lexus RX 450h | $390 | $718 | $420 | $1,708 |
| 2019 Lexus RX 450h | $372 | $690 | $440 | $1,682 |
| 2018 Lexus RX 450h | $356 | $686 | $450 | $1,672 |
| 2017 Lexus RX 450h | $344 | $668 | $470 | $1,662 |
| 2016 Lexus RX 450h | $332 | $640 | $486 | $1,638 |
| 2015 Lexus RX 450h | $314 | $618 | $500 | $1,612 |
| 2014 Lexus RX 450h | $302 | $574 | $510 | $1,566 |
| 2013 Lexus RX 450h | $290 | $540 | $514 | $1,524 |
| 2012 Lexus RX 450h | $278 | $484 | $520 | $1,462 |
| 2011 Lexus RX 450h | $260 | $446 | $520 | $1,406 |
| 2010 Lexus RX 450h | $250 | $418 | $524 | $1,372 |
Driver Age
Driver age can have a significant impact on the cost of Lexus RX 450h auto insurance. For example, 20-year-old drivers pay as much as $2,164 more each year for their Lexus RX 450h auto insurance than 40-year-old drivers.
Driver Location
Where you live can have a large impact on Lexus RX 450h insurance rates. For example, drivers in New York may pay $444 a year more than drivers in Chicago.
Your Driving Record
Your driving record can have an impact on the cost of Lexus RX 450h auto insurance. Teens and drivers in their 20’s see the highest jump in their Lexus RX 450h car insurance with violations on their driving record.
Lexus RX 450h Crash Test Ratings
Lexus RX 450h crash test ratings will affect your Lexus RX 450h car insurance rates.
| Vehicle Tested | Overall | Frontal | Side | Rollover |
| 2020 Lexus RX 450hL SUV AWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2020 Lexus RX 450h SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration | ||||
|---|---|---|---|---|
Lexus RX 450h Safety Features
The safety features of the Lexus RX 450h can impact your Lexus RX 450h car insurance rates. The Lexus RX 450h has the following safety features:
- 10-air bag system
- Lexus Enform safety connect
- Panoramic view monitor
- Smart stop technology
- Led taillamps
- Blindspot monitor with rear cross-traffic braking
Lexus RX 450h Insurance Loss Probability
Another contributing factor that affects Lexus RX 450h car insurance rates is the loss probability for each type of coverage.
| Insurance Coverage Category | Loss Rate |
| Collision | 25% |
|---|---|
| Property Damage | 19% |
| Comprehensive | 10% |
| Personal Injury | -40% |
| Medical Payment | no data |
| Bodily Injury | no data |
| Source: Insurance Institute for Highway Safety | |
Lexus RX 450h Finance and Insurance Cost
If you are financing a Lexus RX 450h, most lenders will require your carry higher Lexus RX 450h coverage options including comprehensive coverage, so be sure to shop around and compare Lexus RX 450h car insurance rates from the best companies using our FREE tool below.
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Ways to Save on Lexus RX 450h Insurance
You have more options at your disposal to save money on your Lexus RX 450h auto insurance costs. For example, try taking advantage of the following five strategies to reduce your Lexus RX 450h car insurance rates
- Consider Using a Tracking Device on Your Lexus RX 450h
- Ask About Farm and Ranch Vehicle Discounts
- Buy a Dashcam for Your Lexus RX 450h
- Get Lexus RX 450h Auto Insurance Through Costco
- Talk to Your Credit Card Company to Save on Rental Car Costs
Top Lexus RX 450h Insurance Companies
Several top car insurance companies offer competitive rates for the Lexus RX 450h rates based on factors like discounts for safety features. Take a look at this list of top car insurance companies that are popular with Lexus RX 450h drivers organized by market share.
| Rank | Company | Volume | Market Share |
| 1 | State Farm | $65,615,190 | 9.3% |
| 2 | Geico | $46,106,971 | 6.6% |
| 3 | Progressive | $39,222,879 | 5.6% |
| 4 | Liberty Mutual | $35,600,051 | 5.1% |
| 5 | Allstate | $35,025,903 | 5.0% |
| 6 | Travelers | $28,016,966 | 4.0% |
| 7 | USAA | $23,483,080 | 3.3% |
| 8 | Chubb | $23,388,385 | 3.3% |
| 9 | Farmers | $20,643,559 | 2.9% |
| 10 | Nationwide | $18,442,145 | 2.6% |
| Source: Insurance Information Institute | |||
Compare Free Lexus RX 450h Insurance Quotes Online
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Cynthia Lanctot
Licensed Agent
Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.
Licensed Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.